FOTON – Financial ecosystem of the future!

Decentralized virtual cryptobanking ecosystem for instant payments through contactless payments and blockchain technology

World

Financial model offered by the banking system and cryptoexchanges at the moment

  • Banks (emitent, acquirer) (commission 2-4% from payment)
  • Payment systems (Visa, MasterCard, PayPal, Alipay) (commission 2-4% from payment)
  • Cryptocurrency exchanges (Bitfinex, Binance, Kraken, Bittrex, Poloniex) (0,2% feeof the payment amount)

Decentralized CryptoBank FOTON

Thanks to a smart contract, customers work directly with a CryptoBank and save more than 8.7% on commissions and transactions.

  • Cryptobank (0.5% fee of the payment amount)
  • Smart Contract Commission for transaction of CryptoBank 0.5%, of Cryptocurrency exchanges 0,1%
  • Client
The Financial Model of the Banking System
and Cryptocurrency Exchanges nowadays.
Decentralize CryptoBank FOTON Thanks to a smart contract, customers work directly with a CryptoBank
and save more than 8.7% on commissions and transactions.

Smart ContractCommission
for transaction of CryptoBank 0.5 % Cryptocurrency exchanges 0,1 %

Payment systems
(Visa, MasterCard, PayPal, Alipay) (commission 2-4% from payment)

Cryptocurrency exchanges
(Bitfinex, Binance, Kraken, Bittrex Poloniex) (commission 2-4% from payment)

Cryptobank
(commission 0.5 % from payment)

Centralized and
Decentralized Platforms in Figures

Cryptoexchange fee

0.2%

Crypotbank fee

0.5%

Bank fee

2.4%

Productivity

91.65%

Payment system
commission

2.4%

График 1

Productivity

99.4%

Crypotbank fee

0.5%

Cryptoexchange fee

0.1%

График 2

Conclusion Because there are no intermediaries, the FOTON platform is cost-effective by 7.75%.
This releases more than $36 billion a year in the cryptocurrency market.

VS.

  • CENTRALIZED PLATFORM

    Involves a string of brokers that do not provide transparency and charge high commissions for both merchants and affiliates

  • High Commissions

    Up to 10% of average budget spent on these financial systems, that are based only on interest of holders

  • High costs

    Financial solutions and payment systems cost enough for business accounts - in management, services and accounting

  • No scalability and anonymity

    Systems are outdated and are tough to apply new technology solutions. Legal entities do not provide anonymity of transactions

  • DECENTRALIZED PLATFORM

    Creates an ecosystem that is transparent and automated on special engineering technology that connects brokers and uses smart contracts for fair deals

  • Lower commissions

    Foton system charges average of 0.5% of deals and make them even lower according to asset management in fair trading

  • Free to use

    Foton ecosystem is filled with ready and free financial services for customers and is free to communicate with partners

  • Scalable and anonymous

    Variety of tariffs and accounts provide anonymous use of crypto-fiat payment operations with global scale connection

  • CONVENTIONAL AFFILIATE NETWORK

    Stores all data on one server, doesn`t reveal deal closure mechanisms, and involves both automated and manual operation

  • Delayed payouts

    All financial transactions are processed centrally, resulting in increased processing times and delayed payouts to affiliates

  • Fraud

    Human factor makes it impossible to detect all cases of fraud on centralized platforms

  • Security vulnerability

    In case of a hacker attack, hackers may get access to all accounts in the system

  • Problem of scalability

    As the number of affiliates is growing, merchants may experience problems with general analytics due to disintegrated networks

  • FOTON-BASED AFFILIATE NETWORK

    Doesn`t manage deals and focuses on providing high-quality service and technical support to both merchants and affiliates

  • Instant payouts

    With FOTON’s own cryptocurrency, affiliates can get instant payouts 24/7

  • Fair deals only

    Open-source smart contract ensures fair and transparent deals between merchants and affiliates

  • Protection from hacking

    On a decentralized platform, all user accounts are independent; if one account is hacked, this won’t breach the security of other accounts

  • All statistics and analytics in one place

    With all data available in user’s personal account, dealing with several networks is much easier

FOTON Platform Architecture

  • Ecosystem
  • Banking system
  • Cryptocurrency Exchange
  • Blockchain
  • API

  • Dapps and other types of external services will connect to Foton using unique APIs. Blockchain uses “Json-RPC API” protocol to allow interaction with any types of coins and smart-contracts inside network. We use web-3 and load balancer to sort them. Stable Tokens exchange back up live data from cryptocurrency exchange backed live feed.

    Схема 3

  • Banking ecosystem of Foton is based on a native and flexible interaction or communication between main business processes (service, management and compliance), enterprise information systems (such as account data, DApps management and customer integrations) and own internal data processing layer (within Blockchain, documentation, tx history and others)

    Схема 4

  • Hybrid exchanges should be the golden middle that will combine the advantages of a centralized exchange, such as cooperation with large investors and the trust of many users with the benefits of a decentralized exchange, such as secure storage and the absence of subordination to a higher authority

    Схема 2

  • FOTON has 2 different types of blockchain: open and secure. 1. The purpose of own open blockchain network is to develop an alternative protocol for building decentralized applications, presenting a complex set of tradeoffs that we believe will be very useful for a wide class of decentralized applications, with special emphasis on situations where fast development time, safety for small and rarely used applications, and the ability of various applications to very efficiently interact, are important. Foton network does this by creating what is essentially the ultimate abstract foundational layer: a block chain with a built-in Turing-complete programs language, letting anyone write smart contracts and decentralized applications where they can form their own arbitrary rules for ownership, transaction formats, and state transition functions. 2. The secure blockchain includes all advantages of the open block chain, with the goal of providing secure in-chain services for the business. On the base of secure blockchain, we will launch Stable tokens smart contracts, KYC data storage, and a wide specter of business Dapps. Cryptocurrency exchange back connection by lifefeed will serve Stable Tokens smart contracts by actual trading data

    Схема 1

  • API management is a technology connection of basic services of Foton and native and scalable platform for connection of other services of partners. Blockchain-based data clearing solutions operate on lightweight remote procedure JSON-RPC API protocol through web3 and load balancers. Future developing solution of atomic swaps is going to provide ability to interact with any coin-family and smart contracts

    Схема 5

    • Platform FOTON is advantageous and convenient!

    • The highest reliability and security, instant transfer of funds from point A to point B without limits with 0.5% transfer fee.
    • Due to own cryptoexchange, you can exchange and withdraw cryptocurrency for a fee of 0-0.10%.
    • Lowest fees, no hidden fees
    • Loans for private individuals and legal entities.
    • The best rates for instant purchase, exchange, cryptocurrency-to-fiat and vice versa conversions.
    • The investment fund will help implement any projects, mining farms, and more.
    • Own inter-bank financial channels system (SWIFT analog).
    • Escrow is essentially a holding tank which will help you keep track and hold money to be transferred to another person during acquisition, exchange, or freelance services, etc.
    • Own crypto ATMs and integration with the existing ones.
    • An online robo-adviser that will advise the client when to buy or sell a cryptocurrency at a better rate.
    • Instant smart contract-based payments for any services using cryptocurrency without withdrawal of money from your wallet.
    • Contactless payment methods for mobile devices powered by NFC technology.
    • Well-developed loyalty system, bonuses and cashback for operations, good deposit rates.
    • Autonomy, the app will be available worldwide even if you ran out of mobile internet on your device.
    • NFC to NFC cryptocurrency exchange.

    ROAD MAP

    Q2

    -Development of the
    platform FOTON

    JANUARY - MARCH

    - Development of the
    - Alfa-testing of
    the FOTON platform

    APRIL-MAY

    - Development of the Decentralized
    Crypto Exchange
    - Development of a mobile app
    - Solution for cryptoacquiring
    - Development of the LIGHT\LIGHT
    SECURE blockchain network 4.0

    JUNE-JULY

    - Presentation of the MVP version
    - Development of FOTON SMART
    technology
    - Crypto-crypto exchange

    AUGUST

    - Preparation for PreICO
    - Publication of a «WhitePaper»
    - Crypto-fiat-crypto exchange

    SEPTEMBER

    - Launch of «LIGHT SECURE»test
    - Network stress testing
    «LIGHT SECURE»
    - Open testing of the FOTON platform
    - Development of Business Account

    OCTOBER

    - Launch of «LIGHT SECURE».
    Block Explorer
    - Launch of Light Network test.
    Block/Token Explorer.
    - Network stress testing «LIGHT»
    - Testing of services’ integration
    into «LIGHT SECURE»
    - Launch of customized web wallets
    for Light/LightSecure. Token Explorer

    NOVEMBER

    - Company opening in the EU
    - PreICO Launch
    - Launch of Light Network
    - Network stress testing «LIGHT»
    - Development of a deposit module
    - Development of the Smart contract
    for business accounts

    DECEMBER

    - Development of Stable Coin
    - Development of additional services – escrow, hedging services, “secure”
    purchasing, etc.
    - Licensing operations with
    cryptocurrency and fiat money
    - Beta-testing of the Decentralized
    Cryptoexchange launch
    - Development of a module to
    integrate with CMS
    - Development of a module for
    the ICO

    JANUARY-MARCH

    - Launch of ICO Round I
    - Migration from ERC20 tokens
    - Mining pool
    - Submitting documents for
    licensing to work with cryptocurrency
    and fiat money
    - Launch of the Decentralized
    Cryptoexchange
    - Atomic swaps
    - Receiving an banking license
    - Development of the credit token,
    integration with the scoring
    platforms, set-up of the algorithms
    for self-regulation of the tokens
    exchange

    MARCH-MAY

    - The end of ICO Round I
    - Issuance of StableCoin
    - Purchases/acceptance with
    StableCoin
    - Launch of ICO Round II
    - Utility functions of businesses
    - Development of Passport
    - Development of a trading platform
    - Development of an arbitration bot
    - Grants for IT security

    AUGUST-DECEMBER

    - Receiving an EU banking license
    - Inclusion in Visa/MasterCard
    - Establishment of our own
    processing
    - Issuance of our own virtual/plastic
    cards
    Grants Open API products
    development
    - Launch of Passport ID

    Q1-Q2

    - Development of neural networks

    Partners

    • NRM
    • logo-5

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    FAQ

    FOTON is a decentralized virtual cryptobanking ecosystem for instant payments through contactless payments and blockchain technology.
    Token Sale will start on November 25, 2018 at 10:00 a.m. (utc -2) and will last until 11:59:59 p.m. (utc-2) on March 27th 2019 or until a hard cap reaches 28 million USD.
    FTN token pre-ICO price is 0.01 USD.
    To participate in the token sale, you must register on the project website and follow the detailed instructions.
    No, you cannot use the exchange wallets to participate in the ICO. You can transfer tokens only to your personal wallet.
    Unsold tokens will be destroyed.
    FTN is an internal FOTON BANK token. It will be used for all payments without exception in the ecosystem.
    3 000 000 000
    Bitcoin (BTC), Ethereum (ETH), Ethereum Classic (ETC), Bitcoin Cash (BCH), Monero (MXR), Dash (DASH), Namecoin (NMC), Dogecoin (DOGE), NEO, Ripple (XRP), Tron (TRX), Zcash (ZEC), fiat transactions. There could be new payment methods in the future
    Minimum investment: 50$.
    FTN tokens can be viewed in the investor's personal interface and will be transferred to the customers daily (no later than 11:59:00 p.m. UTC-2), provided all the necessary information about the account and the KYC origin is provided. Full functionality of FTN will be available starting from March 27, 2019.
    FTN is a utilitarian token and is not a digital (electronic) currency, security, merchandise, or any other financial tool.
    Contacts

    Contacts

    Malta

    London